🌍 ClimateRiskCheck

Natural Disaster Risk in Rice

Texas

6.9out of 10
High Risk

Risk Summary for Rice

Rice scores 6.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Tornado.

Top Hazards

Tornado Strong Wind Extreme Heat

All 18 Hazard Scores

Tornado
9.5
Strong Wind
9.0
Extreme Heat
8.7
Hail
8.5
Cold Wave
8.5
Wildfire
8.4
Lightning
8.3
Ice Storm
8.3
Hurricane
7.4
Drought
6.3
Earthquake
5.4
Tsunami
5.4
Winter Weather
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Landslide
3.2
Riverine Flooding
1.0

How it compares

Rice
6.9
Texas avg.
5.6
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Rice, Texas

Rice, in Navarro County, is a town of roughly 2,951 residents situated in the interior eastern United States. Its diverse climate brings an exceptionally varied climate from humid subtropical in the east to desert in the west, and in particular overlapping tornado, hurricane, flood, and drought seasons. These conditions collectively define the natural hazard environment that Rice residents and property owners must navigate.

Rice's overall natural disaster risk is rated 6.9/10 (High) by FEMA's National Risk Index. The area faces significant tornado risk, positioned where atmospheric conditions regularly generate severe rotating thunderstorms capable of producing violent tornadoes. Secondary hazards include wind and heat.

Within Texas, Rice's risk is, slightly above the 5.6/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Navarro County identifies tornado as the foremost hazard, followed by wind and heat. These rankings reflect the relative frequency and severity of each hazard type in the local environment.

Rice's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Rice: Tornado preparedness

  • Review whether your insurance covers wind and debris damage, and document belongings in advance.
  • Identify the safest interior room on the lowest floor β€” away from windows β€” as your shelter.
  • Enable Wireless Emergency Alerts on your phone and have a NOAA weather radio as a backup.

Local Factors for Rice

These city-level factors differentiate Rice from other communities in Navarro County and provide geographic context for its hazard exposure.

Population

2,951

Small Town

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Mild Temperate

Latitude 32.2Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.4/10

Coordinates

32.2232Β° N, 96.4691Β° W

Navarro County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Rice

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Rice

Other cities in Texas

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.